Plant and equipment are vital to many UK businesses — from construction and civil engineering to manufacturing, agriculture, logistics and utilities. But the high upfront cost of machinery, heavy plant or specialist equipment can strain your cashflow and slow growth.
With Plant & Equipment Finance you spread the cost into manageable monthly payments, preserve working capital, and get the equipment you need now — whether brand new or used.
No obligation, no impact on your credit score to make an initial enquiry.
Plant & Equipment Finance is a type of asset finance that lets your business acquire heavy machinery, plant or specialist equipment without paying the full cost upfront. Instead, the cost is spread over a set term through fixed monthly repayments — protecting your cash flow and enabling you to invest in what matters most.
Depending on your needs, you might finance:
Because the finance is secured against the asset itself, interest rates often compare favourably with unsecured borrowing.
Instead of a large upfront payment, you acquire machinery today but keep your cash for payroll, operations or growth.
Choose from hire purchase, lease or refinance options to align with ownership goals and tax considerations.
Finance allows you to get the latest plant or upgrade existing equipment — helping you win business and stay competitive.
Depending on product type and structure, you may benefit from capital allowances or deduct lease costs against profits.
If you’ve already bought equipment outright, refinance it to release working capital — keeping the asset in use while unlocking liquidity.
With Hire Purchase you pay an initial deposit followed by fixed monthly repayments. Once complete, the asset becomes yours — ideal if long-term ownership and future resale value matter.
Ideal if you prioritise flexibility over ownership. You use the plant or equipment throughout the agreement with lower initial payments, and at the end you may return, renew or upgrade your asset.
If you’ve paid outright for machinery or bought assets within the past few months, you may be able to release equity through a sale-and-lease-back or sale-and–HP-back arrangement. This turns idle capital into working capital while you keep using the asset.
Tell us about your business and the plant/equipment you need — no obligation, no impact on your credit score.
You’ll speak with an experienced adviser who understands your industry and goals.
We compare competitive terms from a panel of over 20 trusted UK Specialist Lenders so you get the best structure for your circumstances.
Once you’re happy with an offer, we handle applications and documentation through to funding or settlement.
Plant & equipment finance can cover machines, plant, industrial tools, specialist machinery, vehicles used in operations and technology equipment.
Depends on the finance route: hire purchase usually leads to ownership, while lease finance allows usage without ownership.
Yes — refinancing lets you release cash tied up in assets, subject to valuation and lender criteria.
Initial enquiries through us won’t affect your credit score. Lender Credit checks only happen once you proceed with a full application once you choose a finance option.
Make decisions with confidence — preserve capital and grow your business with smarter equipment funding.
